Check fraud remains a costly challenge, draining financial institutions of over $1.3 billion annually. As fraudsters adapt, traditional tools fall short. Criminals now exploit ATMs, mobile deposits, and remote channels to evade outdated detection methods.
AI-driven check fraud detection solution
Check fraud management for
banks and credit unions
Abrigo Fraud Detection customers are recovering their investment in six months or less. This is based on their average monthly reduction in fraud losses.
90%+ Fraud Detection
Abrigo Fraud Detection has identified more than 90% of fraudulent check value for customers by calibrating to each institution’s unique risk profile, providing accuracy and protection.
Combat check fraud
Abrigo is your reliable partner in fighting check fraud. We provide your institution with advanced AI tools to protect against fraudulent activities. Abrigo Fraud Detection provides a tailored approach, combining machine learning with rule-based logic to enhance accuracy and efficiency. By automating fraud detection and decisioning, the system reduces manual workload, flags suspicious transactions, and streamlines investigations. This empowers fraud teams to act swiftly, minimize losses, and protect assets before fraud can occur.
"Abrigo makes its so much easier to spot potential check fraud. I can quickly sort and review high-risk checks, and I've actually caught fraudulent ones thanks to the system. It's easy to use, saves times, and gives me the info I need to protect our customers."
- Fraud Specialist, $2.3B Kentucky Bank
Enhanced fraud detection with Mitek’s award-winning check image analysis
Abrigo’s fraud detection solution incorporates Mitek’s advanced image analysis. It utilizes insights from a nationwide check fraud data consortium. By evaluating over 24 attribute scores, the system identifies counterfeit and altered checks with greater precision, helping financial institutions mitigate fraud more effectively.
Features & advantages of check fraud detection
Comprehensive check fraud detection
to stay ahead of the curve
Abrigo provides a multi-layered fraud detection approach that uses three key components:
- Integrating Mitek’s advanced check image analysis
- A nationwide check image consortium
- Abrigo’s Fraud Data Consortium
Our solution identifies forged, altered, and counterfeit checks in teller systems, mobile deposits, remote deposits, and ATMs. Supported by a robust decision engine, Abrigo offers a user-friendly case management system. This combination simplifies the identification and resolution of check fraud. This makes it faster, easier, and more accurate than ever before.
ML-powered Transaction Risk Score
AI-driven insights are applied to each check transaction. A fraud risk score is assigned, ranging from 0 to 1000. The higher the score, the greater the likelihood of fraud. The system also provides clear explanations behind each score to enhance understanding and support informed decision-making.
Abrigo consortium for check fraud data
The Transaction Risk Score is powered by a nationwide database of confirmed fraudulent check activity. This database is unique to Abrigo and supports real-time pattern matching.
Check image analysis
Deep computational visual analysis reviews 24 different check attributes. These include check stock, payee integrity, ink consistency, and signature validity. This process helps you detect fraud more quickly.
Consortium analytics
Join a nationwide group of financial institutions that share check fraud data. This collaboration allows you to learn from your peers and improve your detection capabilities.
Step-up authentication
Use real-time text message verification to involve customers directly in the fraud review process. This feature supports quicker alert resolution, improves accuracy, and reduces false positives.
Check fraud reports
Monitor analyst performance to gain actionable insights into fraud's impact at your institution. This will help you make better decisions and anticipate new threats.
Integrated systems with Abrigo
Financial crime systems built for your institution
Breaking down silos between fraud detection and AML
Abrigo is dedicated to supporting banks and credit unions in the fight against financial crime. With Abrigo’s comprehensive financial crime solutions, your teams can collaborate effectively. This includes tools such as fraud detection software and AML software. This collaboration enhances the detection, management, and resolution of suspicious financial activities within your institution.
Check Fraud FAQs for Banks & Credit Unions
What is Abrigo Fraud Detection for checks?
Abrigo Fraud Detection for checks is check fraud detection software for banks and credit unions that helps identify suspicious check activity before losses occur. The solution combines AI-powered image analysis, configurable fraud rules, and integrated workflows to achieve 90%+ fraud detection rates, while reducing manual reviews.
How does Abrigo Fraud Detection for checks work?
Abrigo analyzes check transactions using behavioral analytics, configurable detection rules, and AI-powered image analysis risk scores to identify potentially fraudulent activity. High-risk items are flagged for investigation, allowing fraud teams to review suspicious transactions before funds are released.
Who is Abrigo Fraud Detection for checks designed for?
Abrigo Fraud Detection for checks is designed for banks and credit unions that need scalable fraud detection software to protect against check fraud while improving operational efficiency. It supports fraud analysts, deposit operations teams, and financial crime professionals responsible for fraud detection and prevention.
What types of check fraud can Abrigo help identify?
Abrigo helps identify suspicious check activity by detecting unusual transaction behavior and high-risk payment patterns. The software is designed to support earlier identification of potentially fraudulent checks so institutions can take action before losses occur.
How does Abrigo help reduce check fraud losses?
Abrigo helps reduce check fraud losses by identifying suspicious transactions early and providing investigators with centralized workflows to review and resolve alerts efficiently. In 2025, Abrigo detected $47M of check fraud, with institutions averaging $90,000 in fraudulent checks per month.
Can fraud detection rules be customized?
Yes. Abrigo allows financial institutions to configure fraud detection rules based on their risk appetite, customer behavior, and operational processes. This flexibility helps improve detection performance while reducing unnecessary alerts.
Does Abrigo integrate with other financial crime workflows?
Yes. Abrigo integrates check fraud detection with its broader financial crime platform, including shared case management and reporting workflows. This enables fraud and BSA/AML teams to collaborate more effectively across related financial crime investigations.
How does Abrigo improve fraud investigations?
Abrigo centralizes fraud alerts, investigations, reporting, and case management into a unified platform. This helps investigators prioritize high-risk activity, improve consistency, and reduce the manual effort required to investigate suspicious checks.
Is Abrigo suitable for community banks and credit unions?
Yes. Abrigo designed its check fraud detection software for community and regional banks and credit unions seeking enterprise-grade fraud controls without adding unnecessary operational complexity or cost. Most institutions report retrurn on investment in six months or less.
Why choose Abrigo for check fraud detection?
Abrigo combines AI-powered image analysis, configurable detection rules, decision automation, customer notification and integrated case management within a unified financial crime platform. This helps banks and credit unions strengthen fraud prevention while improving investigation efficiency and operational visibility.
How does Abrigo compare with manual check fraud reviews?
Manual check reviews depend heavily on employee expertise and can delay decision-making while increasing the risk of missed fraud. Abrigo automates transaction analysis using AI-powered image analysis and configurable rules, helping institutions ensure every check is reviewed while identifing the most suspicious checks for detailed review.
How does Abrigo compare with legacy check fraud detection software?
Legacy fraud systems often rely primarily on static rules that require frequent manual updates. Abrigo combines configurable rules with behavioral analytics and AI-powered detection to improve fraud identification while maintaining transparency for investigators and regulators.
How does Abrigo compare with standalone check fraud tools?
Standalone check fraud tools typically focus only on check monitoring. Abrigo integrates check fraud detection with its broader financial crime platform, including investigative workflows, reporting, and shared case management to provide a more centralized operating environment.
How does Abrigo compare with fragmented fraud and AML systems?
Separate fraud and AML systems can lead to duplicate investigations and inconsistent reporting. Abrigo centralizes fraud detection, case management, and reporting into one financial crime platform helping teams collaborate more effectively while improving operational visibility.
Why evaluate Abrigo when comparing check fraud detection software for banks and credit unions?
When evaluating check fraud detection software for banks or check fraud detection software for credit unions, institutions should compare AI-powered check fraud detection, decision automation, configurability, integration capabilities, and investigation management. Abrigo emphasizes these capabilities within its unified financial crime platform to help institutions improve fraud prevention and operational efficiency.
Resources on check fraud detection
Check fraud and the dark web – Detection and prevention
Whitepaper
Download this whitepaper to discover more about the dark web. Learn how financial institutions can combat the rise in check fraud occurring on the dark web.
What is check image analysis and how does it prevent fraud?
Blog
Check image analysis is a new tool that financial institutions can use to combat rising check fraud rates.
Beyond immediate fraud losses - The true cost of fraud
Infographic
Learn about the full impact fraud loss can have on your financial institution
